Bankrupt-Flexible working request

9 Posts

Due to the pandemic and me being high risk I was redeployed to working at home and stay with my parents in North West England. My original base of work is in North West Wales.
My employer wants me to return to my post, but I have been the victim of fraud and am bankrupt. ALL of my wages goes back to paying debts from loans, credit cards etc amassing over 100k. The bank won't refund the money and I cannot afford a solicitor.
From a financial point of view, I cannot move back to Wales, afford accommodation, living costs etc. Plus the English police are investigating this and criminal court will be held in England also. I do not drive as I am partially blind.
Is it reasonable for me to continue working at home doing redeployment work from an employers perspective?
Does my employer have enough reason to reject my request? Please be thoughtful as I am in a vulnerable place right now after losing everything.
Thanks for any advice.
My employer wants me to return to my post, but I have been the victim of fraud and am bankrupt. ALL of my wages goes back to paying debts from loans, credit cards etc amassing over 100k. The bank won't refund the money and I cannot afford a solicitor.
From a financial point of view, I cannot move back to Wales, afford accommodation, living costs etc. Plus the English police are investigating this and criminal court will be held in England also. I do not drive as I am partially blind.
Is it reasonable for me to continue working at home doing redeployment work from an employers perspective?
Does my employer have enough reason to reject my request? Please be thoughtful as I am in a vulnerable place right now after losing everything.
Thanks for any advice.
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When you put in your flexible working request, you need to put forward a case that demonstrate the business would not suffer. But permanent working from home is a very big ask of any employer, even in these times.
From their perspective they are hiring locums to do the work, which is a cost to them.
The only scenario I can forsee is me losing my job and just claiming benefits. I will just have to stay bankrupt.
Lewis Carroll
My previous role was assessing and treating patients with biomechanical problems.
My redeployment role now consists of contacting covid 19 patients and triaging.
I am using the term bankrupt as you say unsustainable debt. To file for bankruptcy it costs £680, money that I dont have. I used up my whole wage for this month to pay 1 of many loans.
Keep in mind I am in constant overdraft and racking interest charges on multiple accounts, as well as credit cards.
I'd recommend you seek independent debt advice from StepChange Debt Charity:
https://www.stepchange.org/
Or from CAB:
https://www.citizensadvice.org.uk/debt-and-money/
They can help and support you in dealing with your creditors, even if it seems insurmountable just now. Please contact them, being careful to use the links I've posted to avoid lookalike sites, or post on the DebtFreeWannabe board of this site where the regular posters can help you get your head around your options.
If the debts were taken out by a family member, you will be required to report them for fraud.
LB moment - March 2006. DFD - 1 June 2012!!! DEBT FREE!
May grocery challenge £45.61/£120
Even if I go to civil court, I am not guaranteed any payment back from the fraudster.